Merchants has been annoying me with their automated messaged for a while now. They finally sent me a letter detailing why they were calling me. It was for a prior SECURED loan from 1991! I just laughed and filed it away so I would have it to intitiate a suit for violations of the FDCPA and FCRA if it came to that.
This past Saturday, a LIVE rep called me and said she was from a "legal" office and then did the collections "mini-miranda". She even said she was calling about a debt from 1991-1992, and was offering a 50% settlement on the original debt of $1600. I had to laugh at that, since the original debt was $500, AND it was secured.
Then she said "Is that something you can TODAY?"
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